Cards Portfolio Management Specialist📣 إعلان

About NeoStats

NeoStats is a data and analytics firm established in 2022, dedicated to offering contemporary solutions and transforming clients into world-class, data-driven organizations. With headquarters in the UAE and bases in India and the UK, NeoStats provides end-to-end data and analytics services, enabling structural transformations powered by expertise and a true partnership approach.

The Opportunity: Cards Portfolio Management Specialist

NeoStats is seeking a Cards Portfolio Management Specialist for a contract position in Riyadh, Saudi Arabia. This role involves providing strategic advisory and execution support for cards portfolio optimization initiatives, with a focus on key performance indicators including ENR, spend, and authorization. The specialist will drive growth in card activation, customer engagement, utilization, and balance build through strategic planning, campaign execution, and portfolio optimization, leveraging data analytics, merchant partnerships, and lifecycle management tools.

Key Responsibilities

• Analyze portfolio trends and develop strategies to enhance activation, usage, and retention.
• Support the development and implementation of strategies to grow the credit card portfolio in alignment with business targets.
• Manage customer engagement and balance build initiatives, including end-to-end campaign management across various channels.
• Support the credit card installment plans strategy, encompassing design, construction, sales strategy implementation, and revenue optimization.
• Design and implement lifecycle campaigns and customer engagement programs, managing campaigns end-to-end and driving appropriate customer communication.
• Collaborate with internal stakeholders and external partners to ensure seamless execution of campaigns and offers.
• Optimize portfolio performance through effective segmentation, targeting, and offer personalization.
• Provide execution support for campaign rollout, tracking, and comprehensive reporting.
• Liaise with internal stakeholders to align on campaign objectives and key performance indicators (KPIs).
• Ensure full compliance with internal approval processes and regulatory requirements.
• Contribute to the financial management of the credit card portfolio, including developing forecasts, budgets, monitoring performance against targets, and identifying mitigation opportunities.

Portfolio Performance Focus Areas

• Increasing plastic activation rate, spend activation rate, and spend per card.
• Improving card utilization, ENR per card, and installment sales.
• Managing credit limit increase and decrease activities.
• Implementing data-driven portfolio campaigns, supported by pre-campaign analysis and post-campaign results.
• Monitoring and enhancing customer engagement and activation metrics.
• Developing new partnerships to supplement value for cardholders.
• Driving portfolio growth and retention rates.
• Ensuring timely execution of all planned initiatives.

Required Qualifications and Experience

• A minimum of 8-10 years of experience in banking, payments, or consulting, with a strong focus on credit card portfolio optimization, digital engagement, and card product management.
• Regional experience is preferred.
• Demonstrated comfort with significant client interaction and a proactive interest in building and maintaining professional relationships.

Location and Work Type

This is a contract position based in Riyadh, Saudi Arabia.